Izinhlelo Zokubolekwa Zokuzulazula Eziklanyelwe Abaziqashile

Kubantu abazisebenzayo abafuna izinketho zokuthola imali, isimo sezinhlelo zokubolekwa imali sihlukanisiwe futhi senzelwe ukubhekelela izimo zezimali ezihlukile zalabo abazisebenzelayo.Kulo mhlahlandlela obanzi, sizocubungula izinhlelo ezahlukene zemalimboleko ezidizayinelwe ababolekayo abazisebenzelayo, esisikhanyisela ngemibandela yokufaneleka, izinzuzo, nokucatshangelwa kwalabo abazulazula kumkhakha wezezimali wosomabhizinisi.

Ukuqonda I-Self-Employed Dynamic

Ukuzisebenza kunikeza inqwaba yezinzuzo, kusukela ekubeni nezimo ukuze ulawule umsebenzi womuntu.Kodwa-ke, uma kuziwa ekutholeni imali mboleko, isimo esingajwayelekile sokuzisebenza singadala izinselele.Ababolekisi bendabuko ngokuvamile badinga imibhalo yemali engenayo engaguquki, okungenzeka kube nzima kulabo abanemiholo eshintshashintshayo noma abahola ngokungajwayelekile.

Izinhlelo Ezikhethekile Zokubolekwa Kwabantu Abaziqashile

1. Imalimboleko Yesitatimende Sasebhange:
   • Uhlolojikelele: Izimali mboleko zezitatimende zasebhange zihlola imali engenayo yomboleki ngokusekelwe ezitatimendeni zasebhange kunemibhalo yemali engenayo evamile.
   • Inzuzo: Ilungele abantu abazisebenzayo abanemali engenayo eguquguqukayo, njengoba inikeza ukumelwa okunembe kakhudlwana kokugeleza kwemali.
2. Imalimboleko Yemali Engenayo Eshiwo:
   • Uhlolojikelele: Imali mboleko yemali engenayo eshiwo ivumela ababoleki ukuthi basho imali yabo ngaphandle kwemibhalo eningi.
   • Inzuzo: Ifanele abantu abazisebenzayo okungenzeka babe nobunzima bokunikeza ukuqinisekiswa kweholo ngendlela evamile.
3. Izimalimboleko Zezindlu Ezingafanelekile (Non-QM):
   • Uhlolojikelele: Izimali mboleko okungezona ze-QM azihambisani nenqubo ye-Qualified Mortgage, enikeza ukuguquguquka ekuqinisekiseni imali engenayo.
   • Inzuzo: Yenzelwe labo abanemithombo yemali engenayo engeyona eyendabuko noma izimo zezimali eziyinkimbinkimbi.
4. Izimalimboleko Zokuqedwa Kwempahla:
   • Uhlolojikelele: Izimali mboleko zokuncishiswa kwempahla zibheka izimpahla zomboleki njengomthombo wemali engenayo yokufaneleka kwemalimboleko.
   • Inzuzo: Iwusizo kubantu abazisebenzayo abanezimpahla ezinkulu kodwa iholo eliguquguqukayo.

Izinzuzo Zezinhlelo Zokubolekwa Kwabazisebenzayo

1. Ukuqinisekiswa Kwemali Engenayo Okuguquguqukayo:
   • Inzuzo: Izinhlelo eziyisipesheli zokubolekwa imali zibona izindlela ezihlukene zeholo labantu abazisebenzayo, ezinikeza ukuguquguquka ekuqinisekiseni imali engenayo.
2. Ukufaneleka Okuthuthukisiwe:
   • Inzuzo: Lezi zinhlelo zinweba imibandela yokufaneleka, zivumelane nalabo imali yabo engenayo ingase ingahambelani nezindinganiso ezivamile zokuboleka.
3. Izixazululo ezenziwe ngokwezifiso:
   • Inzuzo: Izinhlelo zokubolekwa eziklanyelwe zinikeza izixazululo ezenziwe ngokwezifiso, ziqaphela izimo zezimali ezihlukile zababoleka abazisebenzelayo.

Ukucatshangelwa Kwababoleka Abaziqashile

1. Ukulungiselela Amadokhumenti:
   • Okutuswayo: Ababoleki abazisebenzelayo kufanele balungiselele ngokucophelela amadokhumenti, okuhlanganisa nezitatimende zasebhange, izimbuyiselo zentela, nanoma imaphi amarekhodi ezezimali engeziwe.
2. Ukufaneleka kwekhredithi:
   • Ukucatshangelwa: Ababolekisi bangase bagcizelele kakhulu ukufaneleka kwekhredithi, ngakho ukulondoloza iphrofayela eqinile yekhredithi kubalulekile ukuze kube nemibandela evumayo.
3. Ukuhlola Ukuzinza Kwebhizinisi:
   • Ukucatshangelwa: Ababolekisi bangase bahlole ukuzinza nokusebenza kwebhizinisi lomboleki, kube nomthelela ekuvunyweni kwemali mboleko kanye nemibandela.

Ukuzulazula kunqubo yohlelo lokusebenza

1. Ukubonisana nababolekisi:
   • Isiqondiso: Abantu abazisebenzayo kufanele bahlanganyele ekubonisaneni okuningiliziwe nababolekisi abanolwazi ekuhlinzekeni izidingo ezihlukile zosomabhizinisi.
2. Ukuqhathanisa Imigomo Yemalimboleko:
   • Isiqondiso: Kubalulekile ukuqhathanisa imigomo yezinhlelo ezihlukene zokubolekwa imali, kucatshangelwa amanani enzalo, imigomo yokukhokha, nanoma yiziphi izinkokhelo ezihlobene.
3. Iseluleko Sochwepheshe:
   • Isiqondiso: Ukufuna iseluleko kubaluleki bezezimali noma ochwepheshe bezindlu ezibolekayo abasebenza ngokukhethekile kubaboleki abazisebenzelayo kunganikeza imininingwane ebalulekile.

Isiphetho: Ukunikeza Amandla Ababoleka Abaziqashile

Izinhlelo zokubolekwa kwemali ezenzelwe abantu abazisebenzayo zinika amandla osomabhizinisi ukuthi bafinyelele izixazululo zezimali ezihambisana namaqiniso abo ezezimali ahlukile.Ngokuqonda izinto ezicashile zezinhlelo zokubolekwa eziyisipesheli, ukulungiselela imibhalo ephelele, kanye nokuzulazula kunqubo yesicelo ngobuchule, ababoleki abazisebenzelayo bangakwazi ukuvikela uxhaso lwezimali abaludingayo ukuze basekele izinjongo zabo zebhizinisi nezomuntu siqu.Njengoba isimo sokuboleka siqhubeka sishintsha, lezi zinhlelo zidlala indima ebalulekile ekukhuthazeni ukubandakanywa kwezezimali kumphakathi oguquguqukayo nohlukahlukene wochwepheshe abazisebenzayo.